CN101246618A - Non-card credit consuming method, system and network server - Google Patents
Non-card credit consuming method, system and network server Download PDFInfo
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- CN101246618A CN101246618A CNA2007100326701A CN200710032670A CN101246618A CN 101246618 A CN101246618 A CN 101246618A CN A2007100326701 A CNA2007100326701 A CN A2007100326701A CN 200710032670 A CN200710032670 A CN 200710032670A CN 101246618 A CN101246618 A CN 101246618A
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Abstract
The embodiment of the invention provides a credit consumption method without card, the method includes following steps: establishing credit account information without card according to the mobile terminal number; receiving credit consumption authentication request of the mobile terminal number user; authenticating the credit consumption authentication request according to the established credit account information without card; returning the credict consumption acknowledgment information to the credit consumption equipment after passing the authentication. The embodiment of the invention also provides a credit consumption system without card and network server, the credit consumption method without card and the system and metwork server widens the data adding services range of the mobile terminal, and by this way, reducing the operating cost of the credit card manufacture by the money corporation such as bank etc, making convenience for user shopping.
Description
Technical field
The present invention relates to the communications applications field, relate in particular to a kind of non-card credit consuming method and system and the webserver.
Background technology
Credit card is that commercial bank is to individual and unit distribution, with with to the shopping of contributing unit, consumption with to bank's access cash, special carrier card with consumer credit, its form is that a front is printed on contents such as issuing bank's title, the term of validity, number, holder name, and there is the card of magnetic stripe, signature strip at the back side.Credit card is divided into credit card, accurate credit card two classes by whether depositing revolving fund to issuing bank, and credit card is that issuing bank gives the holder certain credit line, the credit card that the holder can refund in consumption earlier, back in credit line.Accurate credit card then is to deposit the credit card of the revolving fund of certain amount of money by issuing bank's requirement earlier.Present said credit card generally singly refers to credit card.
The proof possessor who is signed and issued by bank or company enjoys a good reputation, the creditable voucher of consumption of can keeping accounts in appointed store or place.Common credit card size such as I.D. are generally made with special plastic, are printed on name, number, valid period of holder etc. on the credit card, are type.In order to prevent false claiming, be printed on holder's photo on the credit card that has in recent years.When client's purchase is checked out, only need credit card is handed over the shop, by the cashier credit card is placed on and impresses on the marking press, those types will be imprinted on the document of the same form three, the holder signs on document then, the shop cashier with signature on the document and the specimen signature on the credit card check conform to after, promptly admit book keeping operation consumption, the holder needn't pay for it in cash and just can buy required goods.The holder of credit card except can buy extensive stock with card signature in franchised business, have dinner, the amusement, lodging, can also be to the cash of the certain limit of bank overdraft of card sending mechanism appointment.Franchised business and appointment receiving bank collect money to card sending mechanism with the bill of holder's signature, send the holder to check by card sending mechanism again, pay off in the specified period.When the holder paid off, card sending mechanism collected overdraw fund interest in accordance with regulations.As expire and do not pay off, then to collect default interest.
But this bank card damages easily, also arranged certain serviceable life, the user needs to handle again in commercial bank in the credit card infringement or after expiring serviceable life, this mode that holds is in credit card infringement or expire serviceable life and bring inconvenience on the credit card purchase to the user, and handles certain energy and time that credit card also needs to spend the user again to commercial bank.
Summary of the invention
In view of above-mentioned existing in prior technology problem, the embodiment of the invention provides a kind of non-card credit consuming method and the system and the webserver.According to the mobile terminal number account information that builds one's credit, when carrying out credit consuming, the user authenticates, by satisfying user's overdraw consumption after the described authentication according to the house account information of setting up.
In order to solve the problems of the technologies described above, the embodiment of the invention has proposed a kind of non-card credit consuming method, and this method may further comprise the steps:
Set up the non-card credit account information according to mobile terminal number;
Mobile terminal receive number user's credit consuming authentication request;
According to the non-card credit account information of setting up described credit consuming authentication request is authenticated;
After by described authentication, return the credit consuming confirmation to credit consuming equipment.
Accordingly, mobile terminal receive number user's credit consuming authentication request step is specially:
Mobile terminal receive number user's mobile terminal number and house account password.
Accordingly, described method also comprises: after by described authentication, preserve non-card credit account's credit consuming recorded information.
Accordingly, described method also comprises: after by described authentication, the portable terminal to the mobile terminal number place sends each credit consuming information.
Accordingly, described method also comprises: send the credit consuming recorded information to the mobile terminal number corresponding mobile terminal.
Accordingly, described method also comprises:
The request that mobile terminal receive number corresponding mobile terminal the sends consumption recording information of making a credit inquiry;
According to the consumption recording information request of the making a credit inquiry consumption recording information of making a credit inquiry.
The embodiment of the invention also discloses a kind of webserver, this webserver comprises:
First memory module is used to store the non-card credit account information of setting up according to mobile terminal number;
First receiver module is used for mobile terminal receive number user's credit consuming authentication request;
Authentication module is used for according to the non-card credit account information of first memory module storage credit consuming authentication request being authenticated;
First sending module is used for after authentication module is by authentication, and the credit consuming equipment to the mobile phone users place sends the credit consuming confirmation.
The described webserver also comprises:
Second memory module is used for preserving mobile terminal number user's credit consuming recorded information after authentication module is by authentication;
Second sending module is used for sending credit consuming recorded information and credit consuming information to the portable terminal at mobile terminal number place;
Second receiver module: be used for request that mobile terminal receive number corresponding mobile terminal the sends consumption recording information of making a credit inquiry;
Enquiry module: according to the request consumption recording information consumption recording information of in second memory module, making a credit inquiry of making a credit inquiry.
The embodiment of the invention also discloses a kind of non-card credit consuming system, this non-card credit consuming system comprises credit consuming equipment and house account server, wherein:
Credit consuming equipment, the user who is used for non-card credit account that the house account server is set up carries out the authentication input of credit consuming, send the credit consuming authentication request according to the authentication input to the house account server, after authentication, receive the credit consuming confirmation form that the house account server returns;
The house account server, be used for storage according to the mobile terminal number account information that builds one's credit, for described mobile terminal number user carries out the credit consuming authentication, and after authentication success, preserve described mobile terminal number user's credit consuming recorded information, and the credit consuming confirmation is returned to credit consuming equipment.
Implement the embodiment of the invention, widened the data value-added service scope of portable terminal by described method and apparatus, and reduced bank and other financial mechanism in the operation cost aspect the manufacturing credit card by the credit consuming of this no card mode, also made things convenient for user's purchase and consumption of going on a journey.
Description of drawings
Fig. 1 is the structural representation of the non-card credit consuming system in the embodiment of the invention;
Fig. 2 is the process flow diagram of the non-card credit consuming method in the embodiment of the invention;
Fig. 3 is that the user in the embodiment of the invention uses house account to extract the process flow diagram of cash on ATM (automatic teller machine);
Fig. 4 is that the user in the embodiment of the invention uses house account to carry out the process flow diagram of credit consuming on the credit card purchase terminating machine.
Embodiment
The embodiment of the invention provides a kind of non-card credit consuming method and the system and the webserver.According to the mobile terminal number account information that builds one's credit, when carrying out credit consuming, the user authenticates, by satisfying user's overdraw consumption after the described authentication according to the house account information of setting up.
Describe the preferred embodiments of the present invention in detail below in conjunction with accompanying drawing.
At first see also Fig. 1, Fig. 1 shows the structural representation of the non-card credit consuming system in the embodiment of the invention, this system diagram has comprised portable terminal 11, house account server 10 and credit consuming equipment 12, wherein: portable terminal 11 is used for receiving house account server 10 each credit consuming information that sends and the credit consuming recorded information that is kept at house account server 10, and portable terminal 11 users can send to house account server 10 as required and ask to make a credit inquiry consumption recording information; Credit consuming equipment 12 is used for carrying out the credit consuming payment according to the house account that the house account server is set up, after the user provides credit consuming authentication input, send the credit consuming authentication request to house account server 10, and after house account server 12 provides authentication, receive the credit consuming confirmation that house account server 10 returns, the user finishes non-card credit consuming according to described credit consuming confirmation; House account server 10 is used to store the non-card credit account information of setting up according to mobile terminal number, for the mobile terminal number user of credit consuming equipment 12 provides the credit consuming authentication service, after authentication module is by authentication, preserve mobile terminal number user's credit consuming recorded information, return to credit consuming equipment 12 and contain the credit consuming confirmation of signing messages confirmation form, non-card credit account's credit consuming information and credit consuming recorded information are sent to portable terminal 11, and the inquiry service of credit consuming information is provided for portable terminal 11.
Describe the implementation procedure of non-card credit consuming method in detail below in conjunction with the system diagram of Fig. 1, in the process that realizes non-card credit consuming, at first the house account server has been inserted in the network system of each big operator and bank, the communication network of this meeting better utilization communication network operator, tightr with credit consuming user, bank and communication network operator combination widened the scope of mobile terminal data value-added service.Fig. 2 shows the process flow diagram of the non-card credit consuming method in the embodiment of the invention, and concrete steps are as follows:
Step S201: set up the non-card credit account information according to mobile terminal number;
Set up independently account, communication cost account and the credit consuming account relevant according to mobile terminal number with mobile terminal number.These two accounts all rely on same phone number, wherein the communication cost account is used to pay cell phone call charge, the user that the credit consuming account is used to termination number provides the credit card purchase service, and this credit consuming account is mobile terminal number for there not being the account number of card.The user handles mobile terminal number and uses the system of real name form, if mobile phone users is opened mobile phone non-card credit account, the original paper and the copy of perfect instrument need be provided, as I.D. and my moon or annual income proof etc., whether satisfy for commercial bank for its material of examining this mobile phone users and open the requirement of portable terminal credit accounts for it.For the user who opens portable terminal non-card credit account, commercial bank can open the extraction cash function of corresponding credit line for it according to applicant's condition and requirement.
User's house account number also can be selected according to the setting of commercial bank, described non-card credit account number and user's mobile terminal number interrelates, when carrying out associated credit consumption, the information that described house account number is consumed returns to termination number, for the terminal user, mobile terminal number is own known number, more convenient user's memory.
Have the non-card credit account of mobile terminal number as the user after, the user can activate or nullify house account by phone etc. at any time as required.The non-card credit account information of having opened has comprised user's real name information, mobile terminal number, house account password, credit facility amount etc.This non-card credit account's consumption information, monthly average consumption information, average annual consumption information and user's information such as refund credit rating are also consumed and are kept in the house account server along with the user uses the non-card credit account.
Step S202: the non-card credit account user is imported the credit consuming authentication request on credit consuming equipment;
The user who has a non-card credit account when buying article or need on ATM (automatic teller machine), extract cash, need be on credit consuming equipment input authentication, input handset number and house account password on the authentication window on the credit consuming equipment.
Step S203: credit consuming equipment sends to the house account server with the credit consuming authentication request of importing and authenticates;
Whether set up non-card credit account's information material in the house account server, authenticated according to the account number and the house account password of non-card credit account information to described non-card credit account, be the requirement of satisfying authentication.If password bad then can not carry out the payment of credit consuming.
Step S204: confirm described credit consuming and preserve the credit consuming recorded information;
Satisfy the authentication requesting of described house account server in the credit consuming authentication request, when promptly satisfying the house account password of user's setting, the house account server can be confirmed the cash amount of described credit consuming, whether described cash amount surpasses the credit facility amount, surpass the situation of credit facility amount the user, the house account server can be preserved the cash amount, credit consuming time of this credit consuming etc.
Step S205: return credit consuming signing messages confirmation form to credit consuming equipment, and return the credit consuming recorded information to portable terminal.
The house account server is after having preserved the credit consuming recorded information, the credit consuming recorded information can be returned to credit consuming equipment, described credit consuming recorded information has comprised user this time the cash amount and the time of credit consuming, and the user is determining that described credit consuming signs after errorless on signature is single.The house account server also returns to portable terminal with the amount of described credit consuming and consumption time etc.
In the house account server after the each credit consuming of user, all be kept at user's credit consuming recorded information such as each credit consuming information, facility extent remaining sum, wait to refund amount and the date of refunding in the server, the user can be according to transmission query requests information such as portable terminals to the relevant credit consuming recorded information of house account whois lookup, the house account server is searched relevant credit consuming recorded information and is returned to portable terminal after receiving described query requests information.
The method of non-card credit consuming system by described Fig. 1 and the non-card credit consuming of Fig. 2, the user has set up house account by phone number, this house account does not have card, be user's phone number, can be known and remember by the user, the user can carry out credit consuming by the number and the password of house account on ATM (automatic teller machine) and credit card purchase terminating machine.
Fig. 3 and Fig. 4 have described user account after having the non-card credit account, the process flow diagram of on ATM (automatic teller machine) and credit card purchase terminating machine, consuming, Fig. 3 extracts the process flow diagram of cash for the user uses the non-card credit account on ATM (automatic teller machine), this non-card credit account's account number is user's a mobile terminal number, here be set at phone number, concrete steps are as follows:
Step S301: the user is input handset number and house account password on ATM (automatic teller machine);
Step S302: the house account server authenticates phone number and house account password, and authentication result is returned to ATM (automatic teller machine);
Step S303: according to the result that the house account server returns, ATM (automatic teller machine) judges whether described authentication is passed through, if password correctly then carry out step S304, otherwise password bad then changes step S306;
Step S304: the user is after by authentication, definite cash number that will extract on ATM (automatic teller machine), the user confirms whether need to carry out transaction this time after determining the cash number that will extract, this time step S305 is then carried out in transaction if desired, otherwise changes step S306;
Step S305: ATM (automatic teller machine) is printed and is extracted the cash records list, and the user obtains to print with bar;
When ATM (automatic teller machine) has been printed the cash records list, this credit consuming recorded information is sent to the house account server, this credit consuming recorded information of house account server record, the house account server extracts this mobile phone terminal that message such as the number of cash and time send to the user according to user's the demand that is provided with.
Step S306: finish.
Realization by said method, the non-card credit account that the user sets up according to phone number has extracted required cash amount on ATM (automatic teller machine), under these credit consuming information are all preserved in the house account server, the user can momentarily initiate inquiry by mobile phone terminal to the house account server, by inquiring about the associated credit consumption recording information that obtains to be kept in the house account server.
Fig. 4 carries out the process flow diagram of credit consuming for the user uses the non-card credit account on the credit card purchase terminating machine, this non-card credit account's account number is user's a mobile terminal number, is set at phone number here, and concrete steps are as follows:
Step S401: the user is input handset number and house account password on the credit card purchase terminating machine;
Step S402: the house account server authenticates phone number and house account password, and authentication result is returned to the credit card purchase terminating machine;
Step S403: according to the result that the house account server returns, the credit card purchase terminating machine judges whether described authentication is passed through, if password correctly then carry out step S404, otherwise password bad then changes step S406;
Step S404: the user is after by authentication, and whether need carry out this time transaction, if desired this time transaction then carry out step S405, otherwise change step S406 if confirming;
Step S405: the credit card purchase terminating machine is printed credit consuming with bar, and the user signs on effectiveness is consumed with bar;
When the credit card purchase terminating machine is printed credit consuming with bar, this credit consuming recorded information is sent to the house account server, this credit consuming recorded information of house account server record, house account server send to message such as the number of this credit consuming and time according to user's the demand that is provided with user's mobile phone terminal.
Step S406: finish.
Realization by said method, the non-card credit account that the user sets up according to phone number carries out credit consuming on the credit card purchase terminating machine, under these credit consuming information are all preserved in the house account server, the user can momentarily initiate inquiry by mobile phone terminal to the house account server, by inquiring about the associated credit consumption recording information that obtains to be kept in the house account server.
In sum, the embodiment of the invention is by the account server that builds one's credit in communication network, set up the non-card credit accounts information and be kept in the house account server according to mobile terminal number, described house account is non-card credit family account, this non-card credit account's house account number is a mobile terminal number, credit consuming by this no card mode has reduced bank and other financial mechanism in the operation cost aspect the manufacturing credit card, method by described non-card credit consuming makes the user need not be with credit card, can or not go serviceable life to handle again yet, make things convenient for user's purchase and consumption of going on a journey for the infringement of worrying credit card.By the realization of described method, consumer, bank, Virtual network operator more are closely linked, widened the scope of data in mobile phone value-added service.
Above disclosed only is a kind of preferred embodiment in the embodiment of the invention, can not limit the present invention's interest field certainly with this, and therefore the equivalent variations of doing according to claim of the present invention still belongs to the scope that the present invention is contained.
Claims (10)
1, a kind of non-card credit consuming method is characterized in that, this method may further comprise the steps:
Set up the non-card credit account information according to mobile terminal number;
Mobile terminal receive number user's credit consuming authentication request;
According to the non-card credit account information of setting up described credit consuming authentication request is authenticated;
After by described authentication, return the credit consuming confirmation to credit consuming equipment.
2, non-card credit consuming method as claimed in claim 1 is characterized in that, mobile terminal receive number user's credit consuming authentication request step is specially:
Mobile terminal receive number user's mobile terminal number and house account password.
3, non-card credit consuming method as claimed in claim 2 is characterized in that, after by described authentication, preserves non-card credit account's credit consuming recorded information.
4, non-card credit consuming method as claimed in claim 3 is characterized in that, described method also comprises: after by described authentication, send each credit consuming information to the mobile terminal number corresponding mobile terminal.
5, non-card credit consuming method as claimed in claim 4 is characterized in that, described method also comprises: send the credit consuming recorded information to the mobile terminal number corresponding mobile terminal.
6, non-card credit consuming method as claimed in claim 5 is characterized in that, described method also comprises:
The request that mobile terminal receive number corresponding mobile terminal the sends consumption recording information of making a credit inquiry;
According to the consumption recording information request of the making a credit inquiry consumption recording information of making a credit inquiry.
7, a kind of webserver is characterized in that, this webserver comprises:
First memory module is used to store the non-card credit account information of setting up according to mobile terminal number;
First receiver module is used for mobile terminal receive number user's credit consuming authentication request;
Authentication module is used for according to the non-card credit account information of first memory module storage credit consuming authentication request being authenticated;
First sending module is used for after authentication module is by authentication, and the credit consuming equipment to the mobile phone users place sends the credit consuming confirmation.
8, the webserver as claimed in claim 7 is characterized in that, the described webserver also comprises:
Second memory module is used for preserving mobile terminal number user's credit consuming recorded information after authentication module is by authentication;
Second sending module is used for sending credit consuming recorded information and credit consuming information to the portable terminal at mobile terminal number place.
9, the webserver as claimed in claim 8 is characterized in that, the described webserver also comprises:
Second receiver module: be used for request that mobile terminal receive number corresponding mobile terminal the sends consumption recording information of making a credit inquiry;
Enquiry module: according to the request consumption recording information consumption recording information of in second memory module, making a credit inquiry of making a credit inquiry.
10, a kind of non-card credit consuming system is characterized in that this non-card credit consuming system comprises credit consuming equipment and house account server, wherein:
Credit consuming equipment, the user who is used for non-card credit account that the house account server is set up carries out the authentication input of credit consuming, send the credit consuming authentication request according to the authentication input to the house account server, after authentication, receive the credit consuming confirmation that the house account server returns;
The house account server, be used for storage according to the mobile terminal number account information that builds one's credit, for described mobile terminal number user carries out the credit consuming authentication, and after authentication success, preserve described mobile terminal number user's credit consuming recorded information, and the credit consuming confirmation is returned to credit consuming equipment.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100326701A CN101246618A (en) | 2007-12-18 | 2007-12-18 | Non-card credit consuming method, system and network server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2007100326701A CN101246618A (en) | 2007-12-18 | 2007-12-18 | Non-card credit consuming method, system and network server |
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| Publication Number | Publication Date |
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| CN101246618A true CN101246618A (en) | 2008-08-20 |
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| CNA2007100326701A Pending CN101246618A (en) | 2007-12-18 | 2007-12-18 | Non-card credit consuming method, system and network server |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108346044A (en) * | 2017-01-25 | 2018-07-31 | 马静 | It is a kind of quickly without card authorization method by stages and system |
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2007
- 2007-12-18 CN CNA2007100326701A patent/CN101246618A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108346044A (en) * | 2017-01-25 | 2018-07-31 | 马静 | It is a kind of quickly without card authorization method by stages and system |
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Open date: 20080820 |